Jorge in San Antonio, TX

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Tips & Advice

How long does it take to get the title of a used car?

Ideally, when purchasing a used car, you should have the title in hand before driving off in the vehicle. While the laws vary from state to state, many states stipulate that buyers shouldn't take ownership of a used car unless they've received the title.Keep in mind that even if you've paid for a used car, you don't really own it unless you're in possession of the title. And you can't be sure if the person selling the car is the rightful owner unless you've seen the title.

Can a used car be driven without plates?

State laws dictate that cars tapped for road use should have visible license plates. However, many states have provisions that give drivers a couple of months to obtain plates for cars that have been recently purchased or leased. This allows you to legally drive your newly purchased used car even though it is without plates.

What are the disadvantages of buying a used car?

There are a couple of disadvantages of buying a used car. The first has to do with reliability; since used cars have been previously owned, they might be less dependable than new cars in certain circumstances. Also, new cars come with generous warranty coverage, which isn't offered with many used cars. Manufacturer-backed certified pre-owned cars are the exception to this rule; these used cars come with warranty coverage that is comparable to that offered by by new vehicles.

What are the benefits of buying a used car?

Buying a used car provides a huge financial benefit to car shoppers. New cars can lose nearly 20 percent of their value to depreciation after just one year of ownership. For this reason, even a one-year-old used car can be significantly more affordable than a comparable new model. Used cars also come with lower sales tax and registration fees, and they are less expensive to insure than comparable new models.

What are the benefits of buying from a used-car dealer?

There are certain benefits that come with buying a used car from a dealer. The dealer will typically handle all of the paperwork related to registration and title transfer, and the dealer will calculate applicable sales tax. This is a convenient perk, and it will save you time. Also, if you're looking to finance the car, the dealer may be able to provide you with affordable options.If the used car is part of a manufacturer-backed certified pre-owned program, it will be sold with a warranty that can help shield you from expensive repairs. Also, certified pre-owned cars must pass a rigorous inspection to be included in the program, and this helps you avoid vehicles that might develop serious reliability problems down the road.

Are taxes due when buying a used car?

If you're buying a used car, you'll usually have to pay sales tax that's imposed by your state. If the car is being purchased from a dealership, the dealer will assist you with calculating the amount of the tax due. If you're purchasing from a private party, you'll have to make the calculation yourself.While most states charge sales tax on cars, a couple of states do not impose this tax: Alaska, Delaware, Montana, Oregon, and New Hampshire.If a sales tax is charged, the rate can range from 2 percent to 7 percent.

What are some steps to take after buying a used car?

Take the car to the DMV to get it licensed and registered. This is required by law, so take care of this as soon as possible.

Purchase auto insurance for the vehicle. The law also requires you to get insurance coverage for your vehicle, though you have leeway when it comes to the extent of your coverage. The good news is that insurance for a used car is less expensive than insurance for a comparable new vehicle.

Take the car to a mechanic for a thorough inspection and tune-up. Ideally, you should have a mechanic give the used car a quick inspection prior to purchase to see if there were any major problems lurking. Now it's time to have the car inspected and serviced in a more comprehensive way. During this service visit, filters and fluids can be changed if necessary, brakes can be checked, and minor repairs can be made. This will ensure that your newly purchased used car is safe and ready for road use.

When buying a used car, what is a reasonable number of miles it should have?

It's a good idea to seek out cars that have less than 100,000 miles; overall, the less miles a car has, the better. Also, keep in mind that city miles produce more wear and tear than highway miles, due to the stress that stop-and-go traffic can put on a vehicle. For this reason, a car that's acquired most of its mileage in city driving will often tend to be in poorer shape than a car that's spent most of its life on the highway.

How much should you haggle for a used car?

You can save money by haggling for a used car, but to do it successfully, it's important to have a sense of what similar cars are selling for in your region. This will give you an idea of what kind of price you can ask for in your negotiation with the car dealer. Sites such as Edmunds and True Car provide pricing information that you can use to get an idea of what used cars are selling for in your neighborhood.

How much does it cost to hire a Consumer Law attorney?

Consumer Law attorney fees will vary depending on the billing method and the complexity of the case. Some attorneys use a percentage basis of billing, meaning, if they sue, they collect a percentage of the damages and nothing comes out of your pocket. Others bill hourly and that can add up quickly. It is important to discuss the nature of your case with your legal representative to understand how they will charge you.

Mr. Garcia was very knowledgeable and was able to provide me with the legal advice I needed to make the right decisions regarding my medical contract negotiations. He was able to see things that could have effected me in the future. By listening to his council I put myself in the best position for success.

Dr Garcia is a nice man and knowledgeable, but his office staff are the worst. They never answer the phone or hang up on you. Takes forever to have your refills approved because they want you to go to their office so they can charge hundreds to your health plan.

These people just scammed me out of $2700, made all these promises about giving me a rent a car while my car gets fixed, they fixed the dent on the car but did not fix the mechanical issues just reset the service engine soon light and pretended they fixed the car but it was doing the exact same thing when i drove off with it then refused to give me a rental car as promised while fixing my messed up car. They kept hanging up on me and telling me not to come to the property and when i did they pressed charges on me so if i go back ill have trespassing charges, when all im trying to do is get my car i just bought days ago fixed. I cant believe they scammed me but i have filed a lawsuit on them to get my money back. These people are something else and only treat you like they care till they get your money ...after that your screwed .....Dont do business here you Will regret it!

I went for an appointment. The receptionist attended me with courtesy and respect the privacy. The doctor immediately told me was wrong with me and perform an examination. He give me a prescription and the problems was resolved. He was very professional. The waiting time was 5 minutes.

This is my first child, and I moved to the area when I was 30 weeks pregnant; most doctors won't even look at you when you're already in your third trimester, so I was nervous I wouldn't get an appointment, but the woman I set up my appointment with didn't even bat an eyelash when I told her I was due so soon. Dr. Okoli is very busy - he is prompt with his patients and very straightforward. He always asks me how I am and how the baby is, and doesn't ask me an excessive amount of questions or worry about every little tiny thing that I worry about. It's not dismissive in any way, I get more of the feeling that he trusts the mother's instinct and can ask her how she's doing rather than telling her how she should be doing. This brings me to an important point that many of these reviews bring up, that he tells them their concerns are "normal", and it's weird to them. Listen - pregnancy is a crazy time and all kinds of crazy things happen. Chances are, if it happens to you, it's happened to many other women, and usually it is normal or at least not dangerous. He is a well-educated man and very well-rounded considering his background (trained in Nigeria and did his residency in the Bronx!), and he knows when something is a problem. I had a concern about lower abdominal cramping at 36 weeks, and he told me that was perfectly normal. Lo and behold, when I look it up online, I find hundreds of stories from women who have had that exact same symptom, some more severely and even earlier than I did. Just because he doesn't act like you're the first woman in the world to get pregnant doesn't mean he is dismissing you or acting like your concerns don't matter. And he is aware when something is happening. Also at 36 weeks, my blood pressure read at nearly 150/70 (WAY higher than it had been) and when I asked him if I should be concerned, he told me that it was okay, but he would check it again anyway, and it came out to like 105/40. At 37 weeks, my baby's heartbeat was much higher than normal (usually around 140 and it was 157!!) and so he told me to monitor her movements. I did, and it gave me great peace of mind. It showed me that he was really paying attention to what he was observing and tracking my baby's movements gave me peace of mind and made me feel like I was back in control of my pregnancy. As for his bedside manner, he is always nice to me, warns me that his hands are cold (even though they NEVER are), and tells me that things are "hunky-dory" after my visit. I've never heard him say a cross word to his employees, who are all very kind and considerate. During the vaginal exam, he was very professional, didn't make jokes, warned me when he needed to, and made it as quick as possible. As for the reviewer who said that he "left her exposed", he's EXAMINING YOUR VAGINA. What is he supposed to do, examine you through a beaded curtain? I have news for you - you're going to be EVEN MORE EXPOSED when you GIVE BIRTH. Someone also said they were "so uncomfortable" and it was "so painful", well, if you're expecting pregnancy to be a walk in the park you needed a wake-up call. Your uterus is the size of a freakin basketball right now, and if someone pushes on it from the inside, yeah, it's going to get uncomfortable. You realize you're going to have to push a baby through there, right? Are you going to blame your baby for hurting you so much or being too big? This process is going to be rife with discomfort, and if you're expecting it to be a breeze, well, you won't be happy with pregnancy at ALL. his is YOUR pregnancy, not his. I just feel bad that a doctor I have been having such a pleasant experience with is getting unfairly portrayed as someone who isn't as wonderful as he is. That's why this is so long. I wanted to set things right and explain just how great my experience has been so far. I'm due in a week and a half and I will try to get back with my birth experience should I get to have it with Dr. Okoli. I recommend him 100%.

I am very impressed with his level of knowledge and his willingness to explain medical issues. Made me feel very comfortable during my exams and treated me very well.

Did You Know?

Physicians and surgeons help to keep people - from infants to the elderly - as healthy as possible. These individuals provide diagnoses and treatments for a wide variety of ailments, and preventative care and early detection for more serious illnesses. Whether you love or hate going to the doctor, the fact is your physician is there to listen to your health concerns, take preventative measures against diseases and advise you on your options for staying in tip-top shape.

In 2013, there were more than 1 million doctors of medicine in the U.S., over 854,000 of which were active. Additionally, in 2012, there were about 18,000 active general surgeons in the country. It's important to know which type of physician or surgeon you need, how to choose the best one, and account for other considerations in order to stay healthy.

Different Types of Physicians

Patients can choose from a wide variety of physicians depending on doctor specialty and what problems they are experiencing. Here are a few of the most common types of physicians that you may see in your lifetime:

General Practitioner
Your GP is the doctor that you go to for regular checkups, vaccines and to identify health issues. GPs can treat many different illnesses and injuries, from the common cold to a broken arm. If your health requires a second opinion or expert care, the GP will refer you to a specialist who has the skills to focus in on the issue.

Cardiologist
Heart attacks and heart disease are some of the most common afflictions seen across the country, making cardiologists important to your long-term health. These physicians specialize in studying and treating the heart and related diseases.

Dentist
Other than a GP, the dentist is likely the most common physician you'll ever see. These professionals work with the human mouth, ensuring that your teeth and gum health are up to par. Patients typically go to the dentist twice a year.

Dermatologist
Dermatologists are focused on skin-related issues and diseases, from skin cancers, to acute acne, eczema, psoriasis, and general cosmetic concerns like aging and scars. Most will also perform annual or semi-annual mole checks to screen for any signs of melanoma, the most serious form of skin cancer.

ENT
If you have a number of sinus infections or have had your tonsils taken out, you've likely seen an ENT specialist. ENTs handle ailments related to the ear, nose and throat, often related to taking out tonsils and treating hearing issues.

OB/GYN
For many women, their gynecologist and obstetrician are the same person. These professionals work with the female reproductive system to focus on reproductive health, fertility issues, prenatal care, options for new and expectant mothers, neonatal care and childbirth. OB/GYNs can also help in the early detection of breast or cervical cancer.

Choosing a Physician

There are obviously a number of physicians that you can choose from, but how do you know if they're the best choice for you? Here are a few considerations to help you pick a physician:

Look at Your Insurance
Before you get down to the details, you need to verify which doctors are covered by your insurance and whether they are in or out of your carrier's network. Rates may be cheaper if the doc is in network – a doctor can be covered by your insurance but not necessarily in network. Out of network is typically more expensive. Doctors often add and drop plans, so it's important to ensure that your options are compatible with your insurance plan. Doing your homework will help you avoid unexpected expenses.

Check for Board Certification
Your physician should be certified through the American Board of Medical Specialties. Doctors must earn a medical degree from a qualified school, complete three to seven years of residency training, be licensed by a state medical board and pass one or more ABMS exams to be certified.

Examine the Reviews
Reviews of a doctor can reveal a lot about what your experience may be like. People may grade on staff friendliness, availability and effectiveness of treatment. Looking at these evaluations and getting recommendations from family and friends can direct you toward a physician for your needs.

Choosing a Surgeon

Surgeons can literally hold your life in their hands, and it's important to find the best one that can put you at ease and treat you effectively

Compatibility Factor
You need to feel comfortable with your surgeon. It's important to communicate your concerns and that your surgeon can respond adequately. Surgeons should be willing to go over the details of your procedure and answer any questions that you may have. They must take the time to discuss and address your worries.

Expertise Level
If you're going in for surgery, you want someone that knows what they're doing and has a high success rate. Ask how often the surgeon performs this surgery and try to find one that regularly does it. This will give you peace of mind that you're in capable hands.

Understanding Your Insurance

Your decision on a physician or surgeon can be majorly affected by the insurance plan you have. You may have insurance through employment, your spouse, your parents if you're under 26, or the marketplace if the previous options don't apply to you. It's important to understand how your insurance works to have the full picture of what you'll need to pay for.

Your insurance will have a deductible, which is the amount that you're responsible to pay for covered medical expenses. Some plans have coinsurances, where you must pay a certain percentage of the bill, and insurance will cover the rest. Co-pays state a flat rate for certain services, like paying $20 when you visit your GP or a $100 co-pay for an emergency room visit. Once you reach your out-of-pocket maximum, which will differ if you're an individual or within a family plan, your insurance may pay for 100 percent of covered medical expenses for the rest of the plan year.

If you plan to go to the doctor, need medication or have been recommended for surgery, call your insurance provider or go online to see what your plan covers. You can choose the best doctor for your needs, understand your options and prevent yourself from being blindsided by medical expenses.

Setting Your Appointment

Most doctors require a phone call for an appointment, although some may provide online scheduling as well. Be sure to have your insurance card with you when you set an appointment, and to bring it with you to the actual appointment. They need the ID numbers to verify your coverage, and will usually make a copy of the card for their files so you don't have to show it again unless your insurance changes.

When you call, let them know if you're a new patient, as this will require you to complete some paperwork for your first visit. Tell them the reason for your visit, such as your symptoms if you're feeling sick. It's also important to inform them if you have Medicaid and to find out if you need to bring anything to the visit, like current medications or medical records.

From here, the receptionist will likely ask what dates and times work best for you. During your call, it's important to be honest about your symptoms and the reason for your visit. This information will help the doctor treat you and give him or her an idea of what to expect. Your appointment may progress faster as a result, and the doctor can come prepared with a list of options to better care for you.

Risks

Doctors see a number of patients in a day, sometimes in 15-minute increments in areas where the physicians are in high demand. This can leave little time for doctors to perform thorough examinations, and they can end up missing certain problem indicators. While some problems, like a cold or flu, can be diagnosed in this time, more complex ailments require attention, which takes up time. Reviews can illuminate which doctors actively spend the necessary time with their patients and which ones are pressed against the clock to meet demand.

Surgery has some more dire risks attached to it, so be sure to talk to your surgeon about the potential issues that can come up as a result of your procedure. If a patient has a reaction to anesthesia, it can cause very serious complications, but this is an uncommon occurrence. Blood clots can be a significant problem after surgery, often caused by inactivity during recovery. Infections, numbness, scarring, swelling and death are all possible, but the likelihood of these issues will vary depending on the type of surgery you're undergoing. Talk to your doctor about your concerns and your risk potential.

Aftercare

Surgery affects people in different ways, but as you begin to emerge from anesthesia, you'll want to alert your nurse to any issues you may have. The nurse will tell you how the procedure went, what effect it will have on your condition, what to expect when you get home and how long it will take to get back to normal. If you start feeling pain, the nurse may give you medication to stop it from getting worse. When possible, it's also advised to move around to avoid blood clots from developing in your legs. This can be as simple as occasionally flexing your knee or rotating your foot.

Some surgeries are outpatient procedures, where people are released the same day. For major surgeries, patients may stay at the hospital for a few days to be monitored and address any concerns before being sent home. Discuss with your surgeon the projected length of the hospital stay and what you need to bring.

Recovery and Follow-up

Your recovery time and follow-up expectations will vary depending on your procedure. For example, you can be expected to be on your feet within a few days of having your wisdom teeth taken out, but it may be weeks before you have fully recovered from a broken foot or heart-valve surgery. Your surgeon will give you a list of things that you'll need to do during this time, including what medications to take and when you'll be able to get back to work and other activities.

Every surgery will have a follow-up call or appointment to discuss your recovery and allow you to ask any questions about unusual symptoms or changes in your overall health. If you have a major operation, like heart surgery, it's important to make regular checkups with your doctor or a specialist to ensure that everything is normal. Visiting a doctor will help deter infection and verify that everything is healing as expected. These appointments will give you peace of mind about your state of health and ensure that any issues are caught early on.